WTM Stock Overview
White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States.
No risks detected for WTM from our risk checks.
White Mountains Insurance Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$1,182.77|
|52 Week High||US$1,220.00|
|52 Week Low||US$978.51|
|1 Month Change||13.56%|
|3 Month Change||14.04%|
|1 Year Change||-2.57%|
|3 Year Change||22.17%|
|5 Year Change||34.66%|
|Change since IPO||3,255.38%|
Recent News & Updates
|WTM||US Insurance||US Market|
Return vs Industry: WTM underperformed the US Insurance industry which returned -0.9% over the past year.
Return vs Market: WTM exceeded the US Market which returned -12.9% over the past year.
|WTM Average Weekly Movement||3.8%|
|Insurance Industry Average Movement||5.1%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: WTM is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: WTM's weekly volatility (4%) has been stable over the past year.
About the Company
White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States. The company operates through five segments: HG Global/BAM, Ark, NSM, Kudu, and Other Operations. The HG Global/BAM segment provides insurance on municipal bonds issued to finance public purposes, such as schools, utilities, and transportation facilities, as well as reinsurance protection services.
White Mountains Insurance Group Fundamentals Summary
|WTM fundamental statistics|
Is WTM overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|WTM income statement (TTM)|
|Cost of Revenue||US$653.30m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||-55.85|
|Net Profit Margin||-14.74%|
How did WTM perform over the long term?See historical performance and comparison
0.08%Current Dividend Yield
Is White Mountains Insurance Group undervalued compared to its fair value and its price relative to the market?
Valuation Score 0/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: WTM ($1182.77) is trading above our estimate of fair value ($943.36)
Significantly Below Fair Value: WTM is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: WTM is unprofitable, so we can't compare its PE Ratio to the US Insurance industry average.
PE vs Market: WTM is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate WTM's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: WTM's PB Ratio (1x) is in line with the US Insurance industry average.
How is White Mountains Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as White Mountains Insurance Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has White Mountains Insurance Group performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WTM is currently unprofitable.
Growing Profit Margin: WTM is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: WTM is unprofitable, but has reduced losses over the past 5 years at a rate of 30.6% per year.
Accelerating Growth: Unable to compare WTM's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: WTM is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-2.6%).
Return on Equity
High ROE: WTM has a negative Return on Equity (-5.99%), as it is currently unprofitable.
How is White Mountains Insurance Group's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: WTM's short term assets ($2.0B) exceed its short term liabilities ($1.5B).
Long Term Liabilities: WTM's short term assets ($2.0B) do not cover its long term liabilities ($2.2B).
Debt to Equity History and Analysis
Debt Level: WTM's net debt to equity ratio (3.8%) is considered satisfactory.
Reducing Debt: WTM's debt to equity ratio has increased from 7.4% to 18.9% over the past 5 years.
Debt Coverage: WTM's debt is not well covered by operating cash flow (13%).
Interest Coverage: Insufficient data to determine if WTM's interest payments on its debt are well covered by EBIT.
What is White Mountains Insurance Group current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: WTM's dividend (0.085%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.58%).
High Dividend: WTM's dividend (0.085%) is low compared to the top 25% of dividend payers in the US market (4.11%).
Stability and Growth of Payments
Stable Dividend: WTM is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: WTM is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Earnings Payout to Shareholders
Earnings Coverage: WTM is not paying a notable dividend for the US market.
Cash Payout to Shareholders
Cash Flow Coverage: WTM is not paying a notable dividend for the US market.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
George Rountree (49 yo)
Mr. George Manning Rountree serves as the Chairman of the Board at Build America Mutual Assurance Company since 2020. Mr. Rountree has been the Chief Executive Officer of White Mountains Insurance Group, L...
CEO Compensation Analysis
Compensation vs Market: George's total compensation ($USD7.19M) is about average for companies of similar size in the US market ($USD6.86M).
Compensation vs Earnings: George's compensation has been consistent with company performance over the past year.
Experienced Management: WTM's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
Experienced Board: WTM's board of directors are considered experienced (4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
White Mountains Insurance Group, Ltd.'s employee growth, exchange listings and data sources
- Name: White Mountains Insurance Group, Ltd.
- Ticker: WTM
- Exchange: NYSE
- Founded: 1980
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$3.481b
- Shares outstanding: 2.94m
- Website: https://www.whitemountains.com
Number of Employees
- White Mountains Insurance Group, Ltd.
- A.S. Cooper Building
- Suite 601
- HM 11
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/22 00:00|
|End of Day Share Price||2022/05/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.